Apply Today! Balance Transfer Form


Introducing the new 3-2-1 Rewards Program!

More Points

We're excited to announce the debut of our new 3-2-1 rewards program, which will allow Arbor Financial VISA Rewards card members to earn even more points than before, and give them the option to receive cash back!

With this new program, rewards card members can earn:

  • 3x Rewards Points for Restaurant and Travel
  • 2x Rewards Points for Gas and Groceries
  • 1x Reward Points for All Other Purchases

Check out ScoreCard® Rewards for more information on redemption options.


Cash Back

That's right, you can now receive cash back in the form of a bill credit, or a deposit into your account, as part of our rewards program. Just log into your ScoreCard account to redeem your points for cash back!


How do I sign up?

If you're already a Rewards card member, you don't have to! You'll automatically start accruing points on the new system! If not, use the application button above, and get in on this today!


Transfer High-Rate Credit Card Balances and Save - 

0% APR** for 13 months or 6.99% APR** for Life!

We're excited to offer two fantastic options, for when you transfer your high rate credit card balance to an Arbor Financial card. You can choose between 0% APR for 13 months, or 6.99% APR for life. 

Get Started




Great Rates

10.5% APR* - 

17.5% APR*

View All Rates


Redeem Points

Use your points 

to get gift cards 

and other  merchandise

ScoreCard® Rewards

Advanced Security

Chip-Enabled technology

helps us protect you 

and your wallet

Earn More

Sign up for 

eStatements  and earn 

500 points

Read Disclosure




Apply Today! Balance Transfer Form



Remarkable Rates

7.25 APR%* - 16.5 APR%*

View All Rates

Advanced Security

Chip-Enabled technology

helps us protect you 

and your wallet

Earn More

Sign up for

 eStatements and earn

a $5 credit

Read Disclosure


Ways to Pay

Arbor Financial makes it easy for you to pay on the go with your debit or credit card. Select one of the simple, speedy and safe ways to pay:



Use at hundreds of 

participating stores!

Learn More


Pay almost anywhere

with your Arbor Financial

credit card.

Learn More


Pay online the 

easier way!

Learn More


Tap. Pay. Done. 

Shop in stores, in app and online.

Learn More


Visa Purchase Alert Program

We're offering this new feature to members, allowing you to enroll your Arbor Financial Visa Credit and Debit cards in the Visa Purchase Alert program. This will allow you to receive near real-time email notifications on select Visa routed purchases made with your Arbor Financial Visa debit card or credit card! You'll be able to monitor your account activity and quickly notify us if anything looks suspicious.


How to Enroll

To enroll you cards in Purchase Alerts, simply:

1. Enroll on the Visa website here

2. Click on “Check Eligibility”

  • Enter the first 9 digits of your card
  • Create your account
  • Set the notification alerts
  • You can add up to 10 cards per account


Lost or Stolen Card

Protecting your identity and personal information is extremely important. If you feel like you have been a victim of fraud, notice an suspicious account activity, or receive suspicious emails or phone calls, please contact us immediately.

Call us at: 269.375.6702 or 800.442.7340

  • Monday - Thursday - 9AM to 5PM (excluding holidays)
  • Friday - 9AM to 6PM (excluding holidays)
  • Saturday - 9AM to 1PM (excluding holidays)


After Hours

  • For Debit/ATM cards, please call 800.528.2273 
  • For credit cards, please call 800.325.3678

Protecting your identity and personal information is extremely important. If you feel like you have been a victim of fraud, notice any suspicious account activity, or receive suspicious emails or phone calls, please contact us immediately at 269.375.6702 or 800.442.7340. 


Traveling with Debit or Credit Cards?

We work hard to protect your accounts and your money. Before heading out on vacation, let us know you'll be traveling to ensure uninterrupted use of your debit or credit cards. Out of state or international purchases may be flagged as potential fraud and blocked until your authorization can be confirmed. Give us a call at 269.375.6702 or email us your member number with travel dates. Safe travels!


*Annual Percentage Rate(APR). The APR as of 1/1/18 and subject to change. Rate is variable based on market value and credit worthiness. 

**Balance transfer offer applies to external balances only, some restrictions apply. After the 13th billing cycle, the remaining balance The APR will be 6.99% and the monthly periodic rate of FINANCE CHARGE will be .5825% on your average daily balance of the amount transferred for the life of the transfer(s). After the 13th billing cycle, the remaining balance on the Platinum/Classic cards revert to their normal purchase rate. The Rewards card balance reverts to the variable purchase rate currently 10.5% - 17.5%. The Advantage card balance reverts to the variable purchase rate currently 7.25% - 16.5%.